The Ramsey Show - App - Starting a New Life After Years in Prison (Hour 3)

Episode Date: May 2, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Walshaw, Ramsey Personality, is my co-host today. Thank you for joining us. We're glad you're here. Open phones at 888-825-5225. Jesse is in Phoenix. Hi, Jesse. How are you? All right. How are you? Better than I deserve. What's up?

Hey, man. I just called in. So recently I just got out of prison. I have no debt. I have no kids. So I'm just trying to find out where I can direct my life to a better path. Good for you. How long were you in prison for?

Two years. What'd you do? Instead of being a businessman and other things, I became a businessman in there and started selling drugs. I got caught with like a legal enterprise just a bunch of stuff that i should have never um should have never done in the first place okay cool so you had an entrepreneurial spirit and used it in the wrong place in the wrong place yes yeah well that's good news because you can you're right you can use those same set of skills in a legal, not an illegal enterprise,

and probably prosper. How old are you? I'm 24. Okay, good for you. Cool. So are you working at all? Right now I'm working as a tow truck driver, but this is like my first real job so I I do like it but it's not the same money where I was making but it gives me the the courage or the ambition to chase a I'm making 30k a year

and is that what's your living situation uh I have to go back with my mom and i'm happy to god i still have her or else i i don't know what else i would have done okay all right how long have you been out when'd you get out uh i've been out for six months okay good good so so far you've got a place to live and you got some money coming in, and you have a job that's legal. That's good. That's a really good start. That's a good start. And, like you said, while you're doing this, you start to think about what's the next step?

What's the next step? What's the next step? And by the way, you're probably going to be thinking that for the rest of your life. We all do. What's the next step? What's the next thing? What you be thinking that for the rest of your life we all do what's the next step what's the next thing what you got next for me god where are we going from here and so um who you running around with these days i have no friends other than friends i say i mean like i have zero like true friends yeah like i'm just i just have my girlfriend i've been together for eight years but i mean i mean you're starting fresh because you know you know better than to go hanging around with the folks you were hanging around before so you're starting fresh um

i listen i love that to dave's point you know you've got a place to live you've got a a job that's paying you something i like the fact that you're going okay i'm not going to be a tow truck driver forever what's the next step what are you interested in that's the thing I don't know um I sit down and I really think about it I don't know I really don't have family that has prospered like in life like as in um like a business anything like that um honestly I'm like the first person that graduated from high school. And I have two sisters and three brothers. So, I mean, I'm just the only one that really did. So you're looking for a mentor.

You need somebody that you can look to yeah yeah tell you what i'm gonna hook you up with a friend of mine that's i'm gonna hook you up with a friend of mine that's a pastor there his name's cal and he's a pastor of a big church there in phoenix and i'm gonna hook you up with him and he's gonna get some guys around you because here's what i know jesse and you already know this too you become who you hang around with. And so you've got to be very selective about who you put around you, particularly at this time in your life. And so plugging you into a good church community with some good men who can show you a direction to go and some next steps.

I don't think we can do everything you need to do in one radio call. You've got a lot of things. You've got a lot of potential. A lot of wonderful things can happen in your future, and I don't think we're going to be able to line up everything you need to do in one radio call. You've got a lot of things. You've got a lot of potential. A lot of wonderful things can happen in your future, and I don't think we're going to be able to line up everything for you to do in one call. That's right. But the next thing is get some community around you, and then I want you to continue to do what Jay just challenged you to do,

and that's think about, all right, what is something that I see out there? What's a problem that people in Phoenix have that I can help them with their problem? Because as an entrepreneur, Jesse, I'll tell you, when you help someone with their problem, they give you money. Okay? I mean, if it's lawn care, you solve their problem. If it's pressure washing, you solve their problem. If it's pressure washing, you solved their problem. If it's fixing their car, you solved their problem. In your case right now, the company you're working for is removing cars from places they shouldn't be. You solved a problem.

Or taking someone's broken car somewhere, you solved a problem. So when you solve a problem as an entrepreneur, people pay you money for that. And it's amazing what you can do to create income when you see something and you go, gosh, if I helped people with that problem, I could probably charge for that. And they would let me do that. And I want you to start thinking along those lines, because I do think I wasn't joking around. I think your entrepreneurial spirit that got you into trouble could also, when applied right, be the biggest blessing that ever happened to you.

I agree. 100%. Yeah. So I'm going to hook you up with Cal. I'm going to put you on hold, and Christian's going to pick up our phone screener, and he's going to get your information, and we're going to get you hooked up with that community. And the other thing I want you to do is I'm going to give you a code to take Ken Coleman's assessment, his career assessment, and it's going to be free to you because I'm going to pay for it, test for you to start to say, these are my strengths. And that could maybe spark some ideas of some next things to do and then patiently saying god thank you for this tow truck job even though it doesn't pay much because at least i got one and then

patiently while being grateful for where you are start making the steps to be where to never be there again and to move to a better place and then to a better place and then to a better place. Don't jump. Don't try to get moving too fast. There's no easy money out there. It's all hard money. I want you to get hooked up with BetterHelp, too, because your life has changed greatly over the past two and a half years, and that's a lot to work through.

Your family, the way you interact with your family is different. You said you didn't have any friends. And so I think it would be good not only to get plugged in with the church, but really to be talking to somebody on a normal basis about how to navigate this. Yeah, that's a good plan. It's a good plan. So hold on. We're going to take care of all that for you. We want to be part of this next chapter of your life. That's a good chapter. And we're going to help you solve a problem. There you go. That's how this works. Hang on, Jesse. We'll take care of you. This is The Ramsey Show. Hey, you guys. Health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer. And it's harder than ever to get anything approved through the bureaucracy.

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CHM programs start as low as $98 a month. So learn more today and join at chministries.org slash budget. That's chministries.org slash budget. struggled financially and have not been able to budget for paying our annual property taxes. Should we save up for this through the year and pay it in a lump sum? Or should we try to save a certain amount to pay it quarterly? Could we really lose our paid off home over unpaid property taxes? Yikes. Honestly, for me, this question, property taxes are the least of your concerns. You guys have got some things going on financially that this shouldn't be an issue. But yeah, whatever you want to do, if you want to pay, you know, do a sinking fund, get into your every dollar budget and say, okay, what do I need to save up every single month? What do I need to set aside every single month

so that when these become due at the end of the year or whatever the money is there you could do that using a sinking fund if you wanted to pay them quarterly if you have the money in your budget that you want to do it quarterly usually you get a little bit of a discount in some cases right if you can pay them in a lump sum um but i read this dave and i i just don't think that i have more questions than answers yeah how do you struggle financially when you don't think that... I have more questions than answers. Yeah. How do you struggle financially when you don't have a house payment? That means you don't have a job.

Means you're not working much. Yeah. Yeah. And so something's got to give. You got to go create some income, kiddo. This is a symptom, as you would say, Dave. Yeah. You got to go create some income.

And then when you do that, this property taxes... If you don't have a house payment and you're struggling financially, there's something really going on. I mean, I guess it's possible that you went on some kind of ridiculous spending spree and screwed it up, but it's most likely that this is an income problem. Well, yeah, and the fact that she's projecting it out over the course of a year and a quarter, for me, yeah, you could really lose your home. I mean, if you don't pay your taxes, they'll put a lien against you.

Every state in America, they will sell your house for unpaid property taxes. Every state. So, yeah, yeah, yes, you can lose it. Yes, it's very possible. But here's the thing. You know, it's a glaring, honking horn, blaring whistle when you say, I paid off my home and I'm struggling financially. Everybody listening to this right now is going, huh?

What? And so it must be income. Got to be. And so we know what we got to fix. And it's not how you budget for property taxes that's your problem. Your problem is you've got an income problem. And yes, then I would just set it up in your every dollar budget and pay it monthly. Any of us that have paid for properties that pay our insurance on the properties, we pay

our taxes on the properties, we set up a monthly withholding out of our budget and it builds up. And then when it comes due, the money's sitting there in a sinking fund, in a savings account, a labeled area in your every dollar budget. And you'll have the money. It's very easy to do. And then you just pay it on time and annually, and you're back into it. Same thing as Christmas, all right?

They don't move Christmas. You know exactly how far it is to Christmas. Right now, you can look it up in the exact number of days. Yeah. And how much do you need for Christmas? It doesn't sneak up on you. They don't move it. That's right.

So if you're not ready for Christmas, how can we afford Christmas? Well, you start thinking about it now. Yeah. And you start saying, okay, out of the income, hello, that I'm creating, I set some aside. Walker's in Jacksonville, Florida. Hey, Walker, welcome to the Ramsey Show. Hey, Dave, how are you? Better than I deserve.

What's up? Yeah, so the root of my issue is I took out a loan for $17,250 for a car that Kelly Blue Book says it's worth $6,500. Why did you do that? Well, the salesman was really convincing, obviously. He's so convincing you paid three times what the car's worth?

That's just weird. They kept all that under the table and didn't show me. They actually told me that was the wholesale price, and I'm like, that sounds kind of funny. That doesn't even make sense, though. What kind of car is this? It's a 2018 Ford EcoSport, a compact. How old are you?

I'm 20. So you walked in there by yourself, and you had somehow enough sense to get to the dealership, but while there did not realize that an $18,000 car is a $6,000 car. That seems kind of weird. It's very weird. Did you do any research on this car before you walked in? Like, this is what I want to get.

This is what they cost. I walked in with my only criteria being four doors um so did you have a phone with you uh did i have a phone with me no wow um now they pulled up the uh they didn't have the car facts or anything like that so what's even worse is this car is a lemon because like i bought it with 68 000 on it and it already had an engine put in it. And now it's in the shop long-term for an issue that the manufacturer hasn't even, like Ford, hasn't released repair instructions for the mechanics. So, like, I'm on a long-term dealership loaner right now um so my my follow-up question is obviously i want to get rid of this car because i'm going to have to throw a bunch of money in it if i keep it um so questions

are should i keep it in the you know and just hope and pray that it's reliable enough that i can pay the loan down to where i won't have too bad negative equity, because that's about, what is that, $8,000 in negative equity? What do you make, Walker? About $22,000 a year. Working 40 hours. Well, I'm active duty military, and I really don't work that much but 22,000 a year so I have in the credit union I have about six when did you buy this car October okay

um what branch of the military are you in, son? Navy. Okay. I want you to go see your senior officer in your area and tell them about this car company screwing you, and I want him to go with you over to the dealership and see if he can't help you work this out because this company is preying on young, stupid new enlistees, and the senior officers don't take kindly to that. And I want you to solicit some help from someone who knows how to talk to people who are crooks who take advantage of his men.

Okay. are crooks who take advantage of his men okay so if someone sold you a car that is worth six thousand dollars for eighteen thousand dollars and you're 20 years old and you're newly enlisted navy they were screwing someone who's serving our country and your senior officer knows that they are preying on the guys just like you and he will help you and he'll bring jag involved if he needs to or whoever else because these guys are crooks right and um you need some help with someone that's got more life experience than you to walk in there and really more muscle honestly. Not sure he can do anything legally and I'm not suggesting he would physically threaten them although it's probably possible.

But I want you to get your senior officers involved and JAG involved and I want you to go physically over to the dealership and I would like for them to just write canceled through all of this and take care of it and you walk away clean. That's what my goal would be. It might be that you end up having to write a check for three or four thousand, five thousand dollars to get away from this, but I want you to get away from it as far away from these people as you can get as fast as you can get and then start fresh. And next time you get ready to make a major purchase, do your homework and have some people who are more experienced than you about that major purchase in the room with you.

Okay. Does that make sense? Yes, sir, absolutely. I'm not making fun of you, Walker. You were an innocent lamb led to the slaughter. And I'm not okay with that as a taxpayer who loves the military. It pisses me off. And so I want you to get some people in your branch there, some of your senior officers and JAG involved.

And I want this stopped because this happens, folks, if you don't know, outside military bases all over America every day. They're stupid on both sides of the road just as soon as you leave the gate and all up and down the street. And they will screw these guys and gals, and they do. It's awful. I'm sorry, Welker. You deserve better from your fellow countrymen. This is The Ramsey Show. This show is sponsored by BetterHelp. All right, so I was born and raised in Texas,

and I love the myth of the lone cowboy. You know, the guy who doesn't need anyone or anything. It's a fun story, and it's a lie. In our self-obsessed society, we're obsessed about our own diets, our own workout routines, our own jobs, our own social media feeds, everything. It's easy to forget that no one can do life alone. And I don't care if you're an introvert, an extrovert, or whatever you want to call yourself, we all have to have a community and a support system to do life with. It's time to shift the focus from doing it all by ourselves to knowing that we can only be well and whole when we ask for help. Therapy can be a great source of help and support for any area of your life. And if you're thinking about starting therapy, try BetterHelp. BetterHelp is 100% online therapy, so it can fit with your

schedule. To get started, just fill out a short online survey to get matched with a licensed therapist. And if it's not the right fit, you can switch therapists at any time for no extra cost. This month, start to build your support system with BetterHelp. Visit betterhelp.com slash Ramsey Radio to get 10% off your first month. That's betterhelp, H-E-L-P dot com slash Ramsey Radio. The best way to make the most of your money is by telling it what to do instead of wondering where it went. That's called a plan. Living intentionally with your money. The only way you win at anything is intentionally. No one accidentally wins.

And you have to tell your money what to do. You need to give every dollar of your money an assignment, a name, a mission every month. That's why we call the world's best budgeting app EveryDollar. It makes it simple to plan your spending, to track expenses, to save what matters most. It's an easy to use app, fits into your busy life, keep a pulse on your spending, make progress on your money goals. We'll show you how to do every bit of it. Help you walk the baby steps. Help you do the sinking funds we talk about. Everything's there. Download EveryDollar for free in the App Store or at Google Play today. EveryDollar. Tens of millions of people are using this. Thank you guys, by the way. It's a huge success. Are you doing another

webinar soon? Not a webinar, but I will be doing a demo of EveryDollar at our Total Money Makeover live weekend event. That's coming up May 10th and 11th. Week from this Friday and Saturday. You know, the thing, let me just say this about EveryDollar that I like, especially for couples, is I feel like because it's on your phone, it's on your mobile device, it can be on your desktop, I feel like it bridges the gaps of communication that sometimes you have with money when it comes to your spouse. Because you might forget to say, hey, I did this or that, but because it's on everybody's phone, it's kind of happening in real time. You can see, oh, they went to Publix.

They spent, you know, $15. Or, oh, he did pay the mortgage. You don't even need an iPhone tracker. You'll know where they were based on their pattern of spending. Oh, you went to the mall today? Okay. What were you doing over there? I love every dollar. So fun. Very good. Dan is with us in Cleveland, Ohio. Hi, Dan. Welcome to the Ramsey Show. Hi, Dave and Jade. So I obviously have a problem, but I want to give you some background on our financial situation that I think will be important context to the problem we're having. So I'm 33. My wife is 32.

Our combined household income is $375,000. We have $150,000 in my wife's 401k, $85,000 in mine. And the reason there's less in mine is because I use the COVID forbearance to pay off $82,000 in student loans. So I'm student debt free now after law school. We have about $210,000 in a money market account. We have $40,000 in a REIT. We owe $188,000 on our house, and it's appraised at $475,000. We have $20,000 in our daughter's $529,000. We have a 15-month-old daughter who's beautiful.

Sounds like you're doing good. Congratulations. Thank you. But we also owe $20,000 on my wife's car. The issue we're facing is we're outgrowing our house. It's like an 1,800-square-foot house. It's 120 years old. And we moved here because it was a young professional neighborhood. We love the neighborhood.

But eventually we're going to want a bigger house for a bigger family with a yard and things we want our daughter to have. But the issue we have is, and it's a blessing in a lot of ways too, in about 18 months, I'll be up for a partnership at my law firm and the buy-in is $250,000. And so we're kind of at this crossroads where we want to figure out, you know, how and when do we upgrade a home? Do we hang here as long as we can? Because we want to be able to pay as much of the partnership cost upfront as possible because the options are the firm gives us a loan that we would then pay back through essentially garnishments we pay with cash upfront or the percentage of

the revenue we bring in through billing or otherwise is taken away. So we want to make sure we can pay as much of the partnership up front as we can. How long ago? You have $210,000 in the money market. Way to go, Dan. Of the $375,000, how much is your income at the law firm? $300,000. Okay. So when you become a partner, if you wrote a check for $250,000 and pay them,

what will your income be instead of $300,000? How much will that increase your income? First-year partners typically around $450,000. Okay. So you'd add $150,000 by writing a check for $250,000. Correct, yeah. Sweet! That's great.

That happened quick. I like it. Now, how long ago did you have zero before and now you've added 210 to money market uh i didn't make more than 15 an hour until i was 27 uh 33 how long ago did you have zero and now you have 210 six years ago six and so so i took you six years to say no no no no no no you didn't add the 210 and you added it in the last four years or three years yeah and my wife came into this with savings too before we got married she was 50 or 75 i think she had 75 okay so she's a great saver okay so you guys have saved 150 000 of the 210 i $210,000, I'm guessing, in the last 24 months.

Yeah, 24 to 36 months. That's what I'm guessing. That's what I was, that's where I thought you were going to tell me. Okay. All right. So this is an easy one. Very easy. You mean you've got.

Write a check and pay off your wife's car today. And get on a tight budget. And make sure you have $250,000 in the money market account. You've got $40,000 in a REIT. so you've already got the money to do this today, and it's 18 months away. So set $250,000 aside in a money market to pay cash for the partnership, and above that, start saving for the next house. Yeah, which is not going to take you too long.

You've got 18 months making $375 to save to move up in-house. So the year you become partner and your income goes up $150, you're going to be able to move up in-house with cash and write a check for cash to buy out the partnership. What am I missing? Yeah, it's the timing of it. Like, we went and saw a house. Oh, there's the problem.

Oh, you want to buy a house tomorrow. Quit looking at houses. You're broke. You got $200. Hey,'t want you don't buy a house and not buy this partnership position no way no way suck it up buttercup yeah the houses will be there no way the 250 here's that money's earmarked because 250 is going to pay you 150 more in one freaking year your break even on this like 16 months yeah this is like gold man this is like printing money in your basement we just we want to make sure our daughters

your daughter has parents that make 400k your daughter is gonna make it this much space seriously she's inside not getting rained on and being fed she's gonna be okay how old is your daughter 15 months oh god she doesn't even know that's why i said she takes up this much room she's okay if she's got cheerios for god's sakes oh my gosh it's not no no dude really you're fine don't don't use your don't blame this on your daughter you and your wife went and got house fever y'all already have it picked out don't you yeah don't go to the freaking pray of homes man it's it causes me every time we go to the parade of homes it causes me to buy a house it's awful no don't don't go yeah you just you just listen

yeah you that your brain quit working for a minute because you got house fever and so we're here to help you with that yeah just just delay it appreciate it hey you dan you have done so good you're you're you're listen here's the thing you got two big things on the plate house law firm okay partnership right partnerships done with the math you gave me yeah so you write a check today pay off hers move some of that money or don't move it but earmark the reap money and 210 that's your 250 you need you don't need it for 18 more months it's going to sit in a high yield make some money between now and then that money's spent pretend like you don't have that money now i make 375 headed towards 500 i want in 18 to 24 months based on that i'm going to start saving to move up in the next 24

months into a better house and about the time you get to become partner and your income goes up 150 you're going to be able to make the move right but i'm not putting that partnership in jeopardy for a stinking house nope nope nope nope nope nope nope nope yeah this is too sweet i also like that they'll be buying a house then based on the income that they actually have versus a projected income yeah versus someday yeah yeah that's exciting wow what a great job you've done dan you guys are awesome ring the bell you go buy this house and then don't have the money to buy the partnership when the time comes? That's a regert.

That'd be a bad one. Yeah, that's a regret right there. Right there. That'd be bad news. This is The Ramsey Show. Our scripture of the day, Isaiah 32.8. Generous people plan to do what is generous, and they stand firm in their generosity. I've never read that.

I know I've read that because I've read scripture, but I have to go back and look that one up. Maya Angelou, I've learned that you shouldn't go through life with a catcher's mitt on both hands. That's good. You need to be able to throw something back. Oh, that's good. Chris is in Athens, Georgia. Hi, Chris. Welcome to the Ramsey Show. Hi, how are you?

Better than I deserve. How can I help? I've listened to you for years and love your show. Thank you. My question is i'm 50 years old i've got i think i owe about 40 40 000 on my house and about one year on the car, and I'll be debt-free. And I have the opportunity to leave my job000, well, a little over $700,000 in my 401k and my pension. And I'm just scared that I can't, you know, make it.

Okay. What do you make a year i make about 60 and my wife makes about uh 45 okay and uh you you can't touch your 401k to your 59 and a half without penalty will your pension pay out because you've had there been there so long and retire will you start receiving on it i can take a lump sum of like 245 000 uh on my pension and i've got about 483 in my 401k yeah which you can't touch until you're 59 and a half and you said you're 50 and if you take a lump sum on the pension and you and you use it you're going to pay penalty on it so we don't want to do that um what will the pension pay out monthly if you don't take the lump sum well my my financial advisor there's a a tax thing that you can use that will only put it down to 10%.

So if I take my, he said that if, when I decide to leave, that the full amount of the 401K will go into IRAs and the pension, which is a little over $740,000. And I'm just scared if I'm doing the wrong thing. If it goes into IRAs and you take it out before you're 59 1⁄2, you're going to be penalized and taxed. There's not a tax thing that allows you to use it early. I mean, you can do some minimum withdrawals, but they're so small, you won't be able to eat on them. So, well, let me just move on then, okay? here's what i would do if i were in your shoes it sounds to me like you're ready to be done

with this job like past ready so you're only 50 you're only 50 years old what do you want to do with your life dude you're not going to sit on the fish and sit on the bank and fish no i'm i'm going to get another job okay that's what i want to do so what i would do is yes i would retire i would roll this money to an ira the 401k and the lump sum pension and uh let it continue to grow don't touch it don't worry about it and then you and your wife go make a living yeah then you don't have to have the money because between your new income and her income you all can make a living. You're just fine.

You're millionaires. You've done a great job. Yeah. My question is, you know, if I'm doing the right thing because they froze our retirement. No, listen. What do you think? I mean, what do you want to do? What are you going to do?

With your income? I mean, what career are you going to do? With your income. What career are you going to go into when you retire? What's your new job? Just making $300 or $400 a month. Why? You're worth a lot more than that. Why would you only do that? My financial advisor, he told me that you know i can bring home more

after i leave off of the earnings of my money no you can't okay you can't take sixty thousand dollars a year out of 750 without without penalty and taxes at 50 years old. There is a minimum withdrawal process, but the numbers are very, very small that you can get out of there. I would not do that. I want you to go make $60,000 or $100,000 a year in your new career. Crap, you're only 50 years old. Yeah. Go make some money, dude, and leave this money alone and let it grow.

And you and your wife making 40 and you making 60 or 100, y'all go have a great life and then just let that money. Because here's what will happen. If you leave that $750 alone instead of screwing with it and put it into good mutual funds and let it every 10, you know, if you put it in and average is 10%, it'll double every seven years. So at 57, you're going to have a million and a half.

At 64, you're going to have 3 million. At 71, you're going to have 6 million. If you keep your hands off of it and let it sit there and grow and double and grow and double. And the way you do that is you go have a life you don't sit on your butt at 50 years old so yeah i would go get me a next career we call it an encore career chris you take a bow after the first act the curtain comes up and there's a whole new segment to the play the encore it's what they do what the artist comes back out

after the crowd is cheering so loud that's when they do what the artist comes back out after the crowd is cheering so loud that's when they play what they really want to when they really wanted to play yeah and that's when they play the songs they wanted to play that's exactly why we call it an encore career so you come back out and do what you've always wanted to do i don't care if you open a business i don't care what your new career is but go make you some money and you and your wife leave this money alone yes i would retire but under those circumstances the other thing is it's not good for you at 50 years old to plan to spend the next 40 years till you're 90 doing nothing that is not good mentally it's not good it's not good spiritually

it's not good mentally it's not good relationally you'll get fat it's not good for you your wife will get annoyed with you like go do something exactly yeah go go figure out and you got the half your dadgum life left what are you gonna do with it you're just middle-aged man go go do something big what is it you always wanted to do you got this other thing in your in your rearview mirror made yourself a millionaire way to go now leave this other money alone and go be somebody. Go be somebody. Go do something. Dave, if you had to have an encore career, what would it be?

Me? I'm just saying. Well, here's the thing. What's the other thing you would do? You're going to be just like Rachel, because Rachel plays these games when we're at Thanksgiving. It's like, if you had a secret life, what would you do in your secret life? And I'm like, listen, you know what I do?

I do what I want to do. So if I was going to do something different, I would already be doing it. Come on, Dave. Like, I got to know. I mean, that's what I'm saying. Rachel's like, yeah, that's just no fun. You're no fun at this game. And I'm like, if I wanted to be a secret agent, I would have already been a secret agent.

Okay. If I wanted to be a rodeo rider i would have already been a rodeo rider i would have already gone and done it why do i have to wait until no go you don't want to be a stuntman or i jumped out of an airplane the other day you did you did i mean it's like no i don't want to be a stuntman they get all broke up i don't it hurts i don't like pain but no i mean it's if i don't this, I would have already been doing something else and y'all wouldn't have a job. It's a game, Dave.

I know it's no fun. It's not good for the game, but it's the truth. So the point of the whole thing, though, is you do get to choose. That's true. You get to choose. You get to choose. You don't have to be one of those. That's right.

You're not stuck. Just stop doing that. Go do the other one. You know, it's like, wow, you ain't stuck. It's pretty cool. I love it. it's no fun for the game though i'd spoil all those spoil all those dreamer games because i've been living the dream you've been living the dream all right if i wouldn't be i'd want to be me that's pretty freaking awesome dave oh that puts us out of the Ramsey Show in the books.

We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. We'll see you next time.